Money Dysmorphia Dan Subjective Financial Well-Being Mahasiswa UIN Palangka Raya: Hubungan Persepsi Dan Realitas Finansial

Authors

  • Zamzam Badrouzzaman Universitas Islam Negeri Palangka Raya, Kalteng, Indonesia
  • Yoga Tri Cahyono Universitas Islam Negeri Palangka Raya, Kalteng, Indonesia
  • Iqbal Nur Hilmi Universitas Islam Negeri Palangka Raya, Kalteng, Indonesia
  • Muhammad Hasan Universitas Islam Negeri Palangka Raya, Kalteng, Indonesia
  • Surawan Surawan Universitas Islam Negeri Palangka Raya, Kalteng, Indonesia

DOI:

https://doi.org/10.46781/fmxg4r92

Keywords:

Money Dysmorphia, Subjective Financial Well-Being, Financial Perception, Students

Abstract

Abstract

 

Changes in economic dynamics and increasing social exposure in the digital era influence how students perceive their financial conditions and may lead to the phenomenon of money dysmorphia, a distortion in evaluating financial reality. This study aims to analyze the relationship between money dysmorphia and subjective financial well-being among students of the Islamic Education Program at UIN Palangka Raya. This research employed a mixed methods approach with a sequential explanatory design. Quantitative data were collected through a Likert-scale questionnaire distributed to 22 students, and analyzed using descriptive statistics and correlation analysis. The qualitative stage was conducted to explore students’ experiences and provide deeper explanations of the quantitative findings. The results show that the average score of money dysmorphia reached 41.76%, which falls into the low category based on the percentage of the maximum questionnaire score. A similar average score (41.76%) was found for subjective financial well-being, also categorized as low. The findings indicate a negative relationship between money dysmorphia and subjective financial well-being, where higher distortion in financial perception is associated with lower perceived financial well-being. These results suggest that students’ financial well-being is influenced not only by objective economic conditions but also by psychological factors such as financial perception and social comparison.

 

Keywords: Money Dysmorphia, Subjective Financial Well-Being, Financial Perception, Students

 

Abstrak

 

Perubahan dinamika ekonomi dan meningkatnya paparan sosial di era digital memengaruhi cara mahasiswa memandang kondisi keuangan mereka dan dapat memunculkan fenomena money dysmorphia, yaitu distorsi persepsi terhadap realitas finansial. Penelitian ini bertujuan untuk menganalisis hubungan antara money dysmorphia dan subjective financial well-being pada mahasiswa Program Studi Pendidikan Agama Islam UIN Palangka Raya. Penelitian ini menggunakan pendekatan mixed methods dengan desain sequential explanatory. Data kuantitatif diperoleh melalui angket skala Likert yang disebarkan kepada 22 mahasiswa, kemudian dianalisis menggunakan statistik deskriptif dan analisis korelasi. Tahap kualitatif dilakukan untuk memperdalam pemahaman mengenai pengalaman dan persepsi finansial mahasiswa. Hasil penelitian menunjukkan bahwa skor rata-rata money dysmorphia sebesar 41,76% dari skor maksimum angket, yang berada pada kategori rendah. Nilai rata-rata subjective financial well-being juga sebesar 41,76% dan berada pada kategori yang sama. Temuan ini menunjukkan adanya kecenderungan hubungan negatif antara money dysmorphia dan subjective financial well-being, di mana semakin tinggi distorsi persepsi finansial mahasiswa, semakin rendah tingkat kesejahteraan finansial subjektif yang dirasakan. Hasil penelitian ini menunjukkan bahwa kesejahteraan finansial mahasiswa tidak hanya dipengaruhi oleh kondisi ekonomi objektif, tetapi juga oleh faktor psikologis seperti persepsi finansial dan kecenderungan melakukan perbandingan sosial.

 

Kata Kunci: Money Dysmorphia, Subjective Financial Well-Being, Persepsi Finansial, Mahasiswa

References

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Published

2026-06-30

Issue

Vol. 9 No. 1 (2026): Nathiqiyyah : Jurnal Psikologi Islam

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How to Cite

Money Dysmorphia Dan Subjective Financial Well-Being Mahasiswa UIN Palangka Raya: Hubungan Persepsi Dan Realitas Finansial. (2026). Nathiqiyyah, 9(1), 54-62. https://doi.org/10.46781/fmxg4r92

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